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What a home really costs a month

Pick a town and a budget or price. You'll see the full bill, not just principal and interest: local property tax, insurance, flood where it applies, and CDD or city fees.

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Worth knowing in Sarasota

  • City of Sarasota addresses can't use the county's $75,000 SHIP down payment loan, and the city says it has no down payment funds right now. Check the address before counting on help. Sarasota County HERO
  • In Sarasota County the buyer usually pays for the owner's title policy and picks the title company. The premium is set by the state, about $1,825 on a $350K home. Fla. Admin. Code 69O-186.003

That budget covers a home around

$340,000

True monthly cost

$3,007/mo

  • Mortgage$2,236
  • Mortgage insurance$150
  • Property tax$371
  • Home insurance$250
Cash to close (about)
$22,100
Property tax a year
$4,455 with homestead ($5,059 without)

3.5% down, 30-year fixed at this week's Freddie Mac average, mortgage insurance about 0.55% a year: 7.24%, week of Oct 29, 2026 (Freddie Mac). Tax at 14.88 mills after Florida homestead. Cash to close = 3.5% down plus about 3% in closing costs. An estimate, not a loan quote.

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